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Available 24/7: Get answers
anytime, day or night...
Licensed in 45+ States
Have Questions? Let's make it easy...
Available 24/7: Get answers anytime, day or night...
Licensed in 45+ States
Here’s how we can work together to reach
your Homeownership or Refinancing Goals
STEP 1
Start with a Quick, No
Pressure Quiz or Call Me
Take a quick, hassle-free quiz—no personal information required. Find out how much home you can afford or explore your refinancing options, all in just a few clicks.
STEP 2
Review Customized Loan Options Just for You.
Learn how much you qualify for, what your payments could look like, and how quickly you can get approved to move forward.
STEP 3
Finalize Your Approval
Options and Move Forward
Toward Your Goals...
Finalize your mortgage loan approval and take the next step—whether it’s refinancing or starting your search for a new home.
Work directly with a
Local Mortgage Broker
Who Has Access to
Over 200 Lenders
Skip the
“Your Call Is Important to Us” Routine and Work with Someone Who’s Actually Ready to Help.
No Down Payment Required: VA loans allow eligible borrowers to finance 100% of the home’s value, making homeownership more accessible
Competitive Interest Rates: VA loans typically offer lower interest rates compared to conventional and FHA loans.
Refinance Options Made Simple: With Streamline Refinancing (IRRRL), you can lower your interest rate with minimal paperwork and no appraisal.
Closing Cost Assistance: In some cases, select agents or programs offer help with closing costs, making it even more affordable. We have a network of agents that will contribute up to $800 towards an appraisal. Ask for details.
VA Loans: Exclusive benefits for veterans, active-duty military, and their families—including $0 down payments and no mortgage insurance.
No Private Mortgage Insurance (PMI): Unlike other loans, VA loans don’t require PMI, saving borrowers hundreds of dollars monthly.
No Prepayment Penalty: Pay off your mortgage early without worrying about extra fees.
Funding Fee Flexibility: While VA loans have a funding fee, it can often be rolled into the loan, keeping upfront costs low.
Access to Equity: VA Cash-Out Refinancing allows you to access up to 100% of your home’s equity, perfect for debt consolidation, home improvements, or other goals.
Support for Disabled Veterans: Disabled Veterans may qualify for waived funding fees, increasing their savings even further.
And so much more! With access to over 200 lenders, I have the perfect solution for every borrower—no matter your situation.
Here’s how we can work
together to reach your
Homeownership or
Refinancing Goals...
STEP 1
Start with a Quick,
No Pressure Quiz
or Call Me Directly
Take a quick, hassle-free quiz—no personal information required. Find out how much
home you can afford or explore your
refinancing options, all in just a few clicks.
STEP 2
Review Customized Loan Options
Just for You
Learn how much you qualify for, what your payments could look like, and how quickly you can get approved to move forward.
STEP 3
Finalize Your Approval Options and Move
Forward Toward
Your Goals...
Finalize your mortgage loan
approval and take the next step
whether it’s refinancing or starting
your search for a new home.
Frequently
Asked Questions
What loan programs do you offer?
Great question! As a mortgage broker, I work with over 200 lenders, offering a wide variety of loan programs to meet every borrower’s unique needs. Here’s just a glimpse of what I can offer:
FHA Loans
Conventional Loans
VA Loans
HomeReady
Home Possible
Good Neighbor Next Door
USDA Loans
Jumbo Loans
DSCR Loans (Debt Service Coverage Ratio)
Bank Statement Loans
No-Doc Loans
ITIN Loans
Down Payment Assistance Programs
2-1 and 3-2-1 Buydown Programs
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Interest-Only Loans
Doctor and Professional Loans
Construction Loans
Renovation Loans (including FHA 203(k))
Reverse Mortgages
HELOCs (Home Equity Line of Credit)
Bridge Loans
Energy-Efficient Mortgages (EEM)
Manufactured Home Loans
Non-QM Loans (Non-Qualified Mortgages)
First-Time Homebuyer Programs
And so much more!
No matter your situation or goals, I’ve got the perfect program for you.
Fill out my quick 60-second survey, and we’ll find the best program tailored to your needs.
Should I talk to a realtor or get approved first?
Always start with me, Robert, Why? You need to know exactly what loan program you qualify for and the payment you’re comfortable with before house hunting.
Realtors won’t take you shopping without a pre-approval letter—they want to know you’re serious and financially ready. And here’s the thing: even if you go to a realtor first, they’ll send you right back to a mortgage advisor like me.
Save yourself the extra step and start with me so we can figure out your budget, lock in the best program, and get you ready to shop stress-free.
Do you have realtors to refer me to once I’m qualified?
Absolutely! If you don’t already have an agent, I can recommend a couple of experienced agents in your area. These referrals are to help you find someone who matches your personality, communication style, and specific needs.
It’s important that you feel comfortable and confident with your realtor, so you’ll have the chance to see if they’re the right fit for you. Think of me as your real estate matchmaker—I’ll connect you with someone who has your back, just like I do.
What if I don’t have a down payment?
Good news! As a first-time homebuyer—or even if you haven’t purchased a home in the last three years—you might qualify for $0 down payment programs.
From USDA loans to specialized grants, there’s likely a path forward for you. Let’s explore the possibilities together and get you into your new home without breaking the bank.
Do you really work with over 200 lenders?
You bet I do! As a broker, I partner with 200+ lenders, giving me access to programs for almost any situation. Plus, I make them compete for your business, which means better rates and terms for you.
It’s like having a whole team of lenders working to win you over, all while I guide you through the process.
What if I get denied?
Hey, it happens. But don’t worry—I’m not here to toss you into the woods and leave you to figure things out alone. If a denial happens, I’ll create a personalized roadmap with clear steps and a timeline to help you qualify in the future.
Whether it takes six months or five years, I’m here to guide you every step of the way. We’re in this together.
Can I still qualify if I’m self-employed?
Of course! I specialize in programs designed for self-employed borrowers. From bank statement loans to no-doc options, there’s likely a solution that works for you. Let’s make your entrepreneurial success work in your favor.
Will you help me compare rates?
Absolutely! Because I work with so many lenders, I’ll present you with the best options tailored to your goals. I don’t just find you a rate—I find you the right rate, ensuring it fits your financial needs and long-term plans.
Got more questions?
Fill out my quick, 60-second quiz to get started, or reach out however you prefer. Call, text, or chat—I’m here to make the process as smooth and fun as possible. It’s all about your style of communication, and I’m here for it!
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Frequently
Asked Questions
Why should I refinance my mortgage?
Refinancing can help you lower your rate, reduce your payment, consolidate debt, access cash for big expenses, or even pay off your loan faster. It’s all about tailoring your mortgage to fit your current goals.
What is cash-out refinancing, and how does it work?
Cash-out refinancing lets you access your home’s equity to fund renovations, investments, or other financial needs. You replace your current mortgage with a new one for more than you owe, and the difference comes to you as cash.
Can I refinance if I have bad credit?
Yes, it’s possible to refinance even with less-than-perfect credit. Some programs, like FHA loans, are designed to be more flexible. Let’s review your situation and see what’s possible.
How do I know if refinancing will save me money?
We’ll calculate your break-even point—how long it will take for your monthly savings to cover closing costs—and compare that to your financial goals. If the numbers make sense, it’s a smart move.
Can I refinance to remove private mortgage insurance (PMI)?
If you’ve built enough equity in your home, refinancing into a conventional loan can eliminate PMI, saving you money every month. or we can do a buy out so you no longer have PMI.
Can I still qualify if I’m self-employed?
Of course! I specialize in programs designed for self-employed borrowers. From bank statement loans to no-doc options, there’s likely a solution that works for you. Let’s make your entrepreneurial success work in your favor.
Will you help me compare rates?
Absolutely! Because I work with so many lenders, I’ll present you with the best options tailored to your goals. I don’t just find you a rate—I find you the right rate, ensuring it fits your financial needs and long-term plans.
How does the $250 offer work? And are you really paying out of pocket?
Yes, I’m paying the full $250 out of my own personal pocket—no gimmicks. This rebate goes towards your closing costs.
Think of it as my way of making your homeownership journey a little easier and more affordable.
By covering these fees, I’m helping to reduce the upfront costs of buying or refinancing your home so you can focus on what really matters—getting into your dream home or saving money on your current home.
And if you know someone who could benefit from this savings—whether they’re buying or refinancing—send them my way.
I’d love to help them too! No matter your situation, I’m here to make the process easier and more affordable for everyone.
Can I refinance if I already refinanced recently?
Yes, as long as it makes financial sense. We’ll assess your current loan terms and goals to see if another refinance is beneficial.
What types of refinancing programs are available?
From cash-out to streamline, FHA, VA, and conventional options, there’s a program to match your goals. Let’s customize a plan for you.
Got more questions?
Fill out my quick, 60-second quiz to get started, or reach out however you prefer. Call, text, or chat—I’m here to make the process as smooth and fun as possible. It’s all about your style of communication, and I’m here for it!
Follow Me
On Social Media
Hey, I'm Justin Muir, Known
As That Mortgage Guy!
Hey, I'm Justin,
That Mortgage Guy
This year, I’m on a mission to help 50 families achieve their homeownership and financial goals. As a broker with Loan Factory, I have access to 200+ lenders competing for your business, which means I can secure the most competitive rates and programs available at the time.
Whether you’re buying your first home, refinancing to lower your payment, pulling cash out to consolidate debt or fund renovations, or using your VA benefits, I’ll guide you every step of the way.
This year, I’m on a mission to help 50 families achieve their homeownership and financial goals. As a broker with Loan Factory, I have access to 200+ lenders competing for your business, which means I can secure the most competitive rates and programs available at the time.
Why Work With Me?
With years of experience navigating FHA, VA, Conventional, and Jumbo loans, I simplify the process so you don’t feel overwhelmed by paperwork, rates, or lender jargon. My role is to cut through the noise, lay out your best options, and make sure you feel confident in every decision. Think of me as your personal mortgage guide. From that first call to closing day, I’ll be right there making the process clear, stress-free, and tailored to your goals.
Whether you’re buying your first home, refinancing to lower your payment, pulling cash out to consolidate debt or fund renovations, or using your VA benefits, I’ll guide you every step of the way.
Why Work With Me?
With years of experience navigating FHA, VA, Conventional, and Jumbo loans, I simplify the process so you don’t feel overwhelmed by paperwork, rates, or lender jargon. My role is to cut through the noise, lay out your best options, and make sure you feel confident in every decision. Think of me as your personal mortgage guide. From that first call to closing day, I’ll be right there making the process clear, stress-free, and tailored to your goals.
Get In Touch
Loan Factory Utah, Licensed In 47+ States
Personal NMLS# 1301372
Business NMLS# 320841
